Purchasing Health Insurance for family (Vancouver: broker, go bankrupt, deductible)

[nicolemi]

In your experience, what are the best health plans available to a family of three (1 infant) in the Vancouver area with no employer healthcare plan option available...

All responses are welcome and informative..!

[Redbelly]

Here is one resource: https://www.healthsherpa.com/

Another is an independent insurance agent, especially if you don't qualify for any subsidy.

[cdelena]

We are now on medicare but for years we bought catastrophic coverage online. We now use an agent to shop for part-b coverage... You can talk to Columbia River Insurance Services (360) 883-5776 to see what they say.

[StealthRabbit]

Vancouver is very limited in offerings, (only 2 IIRC) due to overlap of providers in Portland area. (WA insurance commission regs on capping # of providers, so all can charge appropriately (to adequately cover HIGH charges of our oversupply of medical services in the region).

Insurance areas / coverage are state specific.

I use A.L Insurance as an independent broker for various personal and business insurance needs.

[nicolemi]

Thank you Redbelly, cdelena and StealthRabbit... I will be researching into all of those suggestions. I appreciate your
input, advice and response very much !

[missca]

We have kaiser and are self employed, its expensive with a high deductible. My upcoming surgery is $5k after my $2k deductible is met but that is the max payout, thank god. All insurance now becuase of Obamascare is basically catostrophic insurance. Just in case something happens you hopefully won't go bankrupt. Hoping that it changes somehow someway back to the way it used to be. Some employers like city and state have good affordable health plans but most companies insurance has gone way up in costs.

[Redbelly]

Originally Posted by missca

............. All insurance now becuase of Obamascare is basically catostrophic insurance. Just in case something happens you hopefully won't go bankrupt. Hoping that it changes somehow someway back to the way it used to be...........

The way it used to be was that people with pre-existing conditions were not able to get insurance, so that kept premiums down. Also, policies had caps on maximum payouts so if you got cancer or another really expensive illness, the insurance companies cut you off at a certain point, so that kept premiums down, too. But change is on the way. I hope you like it.